Hybrid Senior Product Owner, Client Onboarding

Posted 2 days ago

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About the role

  • Senior Product Owner driving technical delivery of onboarding capabilities for Luminor, a top independent bank in the Baltics. Collaborating across teams for client onboarding solutions.

Responsibilities

  • Own delivery of onboarding and activation capabilities
  • Lead backlog shaping with engineering/design
  • Coordinate end-to-end behavior across identity/verification, risk controls, customer data/case handling, and account/card creation triggers
  • Ensure production readiness: monitoring expectations, operational fallbacks, and incident learnings fed back into the backlog
  • Track delivery-relevant product metrics and drive improvements

Requirements

  • Understanding of regulated onboarding flows: ID & verification → KYC decisioning (CDD/EDD) → agreements/consents → account opening → activation → card issuing trigger
  • Familiarity with KYC/AML fundamentals and manual handling requirements
  • Comfort working in a multi-market context (EE/LV/LT) and across customer segments (incl. non-residents)
  • Experience as a PO (or similar) in Agile delivery
  • Solid technical acumen: APIs, data mapping, async processing/event flows
  • Ability to write precise stories/specs: edge cases, validations, failure modes
  • Strong accountability: proactive management of risks, dependencies, and issues
  • Fluent in English for communication (spoken and written)

Benefits

  • Flexible working hours
  • Hybrid work
  • Possibility to work from anywhere in the EU, Iceland, Switzerland, and the UK (in total 90 days per year)
  • Additional weeks of vacation available after 1 year
  • Volunteer time off for societal contributions
  • 30 fully paid calendar days for military training every year
  • Health insurance after the first 3 months in all three Baltic states
  • Health days available without a doctor's note needed
  • Access to wellbeing tools and resources
  • Internal and external training programs

Job title

Senior Product Owner, Client Onboarding

Job type

Experience level

Senior

Salary

€3,200 - €5,900 per month

Degree requirement

Bachelor's Degree

Location requirements

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